Beforepay Group (B4P) Fair Value & Analysis
Technology · AU · Market cap A$64.7M
Fair value as of: Jul 16, 2026
From 26 valuation models · updated 25 days ago
Fair value updated Jul 16, 2026, revised from A$2.48 to A$2.61 (+5.2%) since Jun 25, 2026. Share price +14.6% over the past month.
A solid business, screening 71% undervalued on our models.
What matters now
- The model range is unusually wide (A$0.9200 to A$3.35). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
55‑month range A$0.2250 – A$2.75 · fair‑value band A$0.9200 – A$3.35 · the A$1.53 price screens below the A$2.61 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Beforepay Group (B4P) currently trades at A$1.53, while our model-based Fair Value estimate is A$2.61, implying the stock looks roughly 70.6% undervalued today. The Quality Score stands at 58/100 (solid quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Beforepay Group generated revenue of A$43.9M at a net margin of 18.5%. Revenue grew 18.3% year over year. It earns a return on equity of 20.3%. Net debt stands at A$17.9M. Fundamentals as of Jul 16, 2026
Our scenario range runs from A$0.9200 (bear case) to A$3.35 (bull case); at A$1.53, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 45% below its 52-week high and 30% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -50% fair-value upside, at 71%, B4P screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: Growth Earnings (A$6.11) versus Growth DCF (A$0.1500). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 54 · Market factors (momentum, volatility) 21
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Beforepay Group Limited provides finance to its customers by way of pay on demand advances. It offers Beforepay that allows customers to access short-term loans through its pay advance and personal loan products to manage short-term cash flow challenges; and Carrington Labs, which provides cash flow underwriting and credit risk analytics solutions.
Full company description
Beforepay Group Limited provides finance to its customers by way of pay on demand advances. It offers Beforepay that allows customers to access short-term loans through its pay advance and personal loan products to manage short-term cash flow challenges; and Carrington Labs, which provides cash flow underwriting and credit risk analytics solutions. The company was incorporated in 2019 and is based in Sydney, Australia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Beforepay Group reported revenue of A$40.2M in FY2025 versus A$4.5M in FY2021, a compound +72.8%/yr. Reported net income was A$6.7M in FY2025.
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Peer Group
Software - Infrastructure · 370 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Software - Infrastructure median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Microsoft Corporation MSFT | $384.00 | $274.17 | -29% |
| Oracle Corporation ORAC | C$9.08 | C$2.94 | -68% |
| Fortinet, Inc FTNT | $160.78 | $44.96 | -72% |
| Synopsys, Inc 1SNPS | €354.50 | €93.61 | -74% |
| Block, Inc XYZ | A$114.53 | A$70.69 | -38% |
| CoreWeave, Inc CRWV | $79.94 | $44.89 | -44% |
| Range Intelligent Computing Technology Group 300442 | ¥71.60 | ¥34.00 | -53% |
| Oracle Financial Services Software Limited OFSS | ₹11,651 | ₹5,821 | -50% |
| 360 Security Technology Inc 601360 | ¥9.64 | ¥5.05 | -48% |
| One97 Communications Limited PAYTM | ₹1,342 | ₹181.50 | -86% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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